and $2,400 with a bank of america card at 14.9%. >> if you are paying 15%, 18% or more on another card, and you have an opportunity to get a 6% card, you're going to want to make the transfer and save the money. >> reporter: nelson santiago is the head of l.a.'s consumer action agency, a nonprofit organization that's been helping consumers for over 40 years. the agency now has a new survey of 41 credit card offers. >> we recommend that consumers shop around and not just focus on one single term. there are a lot of different terms in these credit cards that may be important to the consumer. >> reporter: consumer action found four big winners when it comes to low interest rates combined with no annual fees. the lowest rate was first command back with a 6.25 apr. next was another company at 7.25. third pnc bank visa platinum at 7.99. and wells fargo at 9.15%. another tip from consumer action, think twice before closing the account from which you have transferred debt. >> unless they are being hit with a high annual fee, make sure to keep the card because having a long credit history is go